With no financial liabilities or dependents yet, Dr Praveen and Dr Pervinder have the advantage of starting on a strong wicket—they are not too late to start planning for their finances. Another thing that goes for them is the fact that Dr Praveen works with the Government of India, which ensures he has a job till he retires, a crucial factor in these uncertain times. With so much in their favour, all that the couple need is to follow a few basic tenets of financial planning to see them through their future financial goals and life.